Federal credit union · South Shore, Kentucky · NCUA charter #10177
Tayco Employees
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $2.0M
- Total assets
- 398
- Members
- 51.9%
- Net-worth ratio
Tayco Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10177. See our deposit-insurance coverage note.
Tayco Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)80
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
51.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 51.91% | 30% |
| Delinquency Rate | 11.18% | 25% |
| Return on Assets | 1.15% | 15% |
| Member Growth | -0.75% | 15% |
| Loan-to-Share Ratio | 56.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.0M | 398 |
| 2024Q4 | $2.0M | 401 |
| 2023Q4 | $2.3M | 399 |
Credit Union Details
- Charter Number
- 10177
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Kentucky
- City
- South Shore
- Data Quarter
- 2025Q4
What This Data Says About Tayco Employees
Tayco Employees is a federal credit union headquartered in South Shore, Kentucky, serving 398 members with $2.0M in total assets and $547K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 65/100 (Good), anchored by a net worth ratio of 51.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #10177 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 11.18% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 56.63% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.15% on net income of $23K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.75%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tayco Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Tayco Employees carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 51.91% net worth ratio and a 11.18% delinquency rate.
How does Tayco Employees compare to other credit unions?
PlainCU's health composite puts Tayco Employees at 65/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Tayco Employees?
Tayco Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Tayco Employees directly for the exact boundaries and application steps.
Is my money safe at Tayco Employees?
Federal credit unions like Tayco Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Tayco Employees's net worth ratio of 51.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tayco Employees offer compared to banks?
Credit unions like Tayco Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Tayco Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.